Which bank has a higher interest rate for depositing 100,000 RMB? How much is the interest?

The interest rate of the bank is the same! The details are as follows: Resolved:

Deposit Interest Rate: Urban and Rural Residents and Unit Deposits.

a) Current. b) Periodic 1Whole deposit and whole withdrawal.

Three months and half a year.

One year and two years. Three years and five years.

2.Fractional deposit and withdrawal, lump sum deposit and withdrawal, principal deposit and interest.

One year and three years. 5 years 3Fixed two pence: 6% discount at the interest rate of the same grade according to the regular lump sum deposit within one year.

2. Agreement deposits.

3. Call Deposit

Seven days a day. Loan interest rate Short-term loans.

Six months inclusive

Six months to one year inclusive

2. Medium and long-term loans.

1 to 3 years inclusive

Three to five years inclusive

More than five years.

1. The interest rate is stipulated by the state, and all banks are unified, 2. I suspect that what you want to ask is the interest rate of wealth management products, which is different for each bank's products If you don't plan to use your 10w, you can consider wealth management products, their income is stable, and the income is greater than the bank deposit interest rate.

Summary. If 100,000 yuan is deposited in CCB and ABC, the interest rate for one year is about 1,500 yuan for one year, about 2,700 yuan for one year, and about for three years.

100,000 yuan deposited in Bank of China has the highest interest. That is to say, if the 100,000 yuan can be dispensed with within 5 years, then you can choose to deposit it in the bank's fixed deposit products for 5 years, so as to obtain a correspondingly higher return. You can find out by looking up information on the Internet.

If 100,000 yuan is deposited in CCB and ABC, the interest rate for one year is about 1,500 yuan for one year, about 2,700 yuan for one year, and about for three years.

The fixed deposit of China Merchants Bank has a minimum deposit of 100,000 yuan, a deposit period of one year, and an annualized interest rate; Compared with the one-year annualized interest rate of ICBC of 2%, the one-year annualized interest rate of China Construction Bank is higher.

Among the state-owned banks, the interest rate of 100,000 yuan deposited in the postal bank for a fixed year is the highest. The interest rate for 1-year deposits is. 100,000 yuan * year = 1,780 yuan.

At present, there are six major banks in China, namely Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, Bank of Communications and Postal Savings Bank.

Further information: Interest is the fee for the use of money over a certain period of time, and refers to the remuneration received by the holder of the currency (creditor) from the borrower (debtor) for lending money or money capital. This includes interest on deposits, loans, and interest on various bonds.

1. Money other than the principal obtained from deposits and loans (different from 'principal').

2. Interest (interest) abstractly refers to the value-added amount brought by the injection and return of monetary funds to the real economic sector. Interest is less abstract and generally refers to the remuneration paid by the borrower (debtor) to the lender (creditor) for the use of borrowed money or capital. Also known as sub-gold, the symmetry of the mother gold (principal).

The formula for calculating interest is: interest = principal interest rate deposit term (i.e. time).

Interest is the remuneration received by the owner of the fund for lending the money, which comes from the part of the profit generated by the producer using the money to perform the operating function. It refers to the value-added amount brought by the injection and return of monetary funds to the real economic sector, and its calculation formula is: interest = principal interest rate 100% of the deposit period

3. Classification of bank interest.

According to the nature of the bank's business, it can be divided into two types: bank interest receivable and bank interest payable.

Interest receivable refers to the remuneration that the bank receives from the borrower for lending funds to the borrower; It is the price that the borrower must pay to use the money; It is also a part of the bank's profits.

Interest payable refers to the remuneration paid by the bank to the depositor for absorbing the deposit; It is the price that the bank has to pay to absorb the deposit and is part of the bank's cost.

Generating factors. Delay consumption.

When a lender lends money, it delays the consumption of consumer goods. According to the principle of time preference, consumers will prefer current goods over future goods, so there will be positive interest rates in the free market.

Expected inflation.

Most economies will be inflationary, which means that a quantity of money will have fewer goods to buy in the future than it does now. Therefore, the borrower is required to compensate the lender for the losses incurred during this period.

Alternative investments.

Lenders have the option to put their money on other investments. Because of the opportunity cost, the lender lends money and gives up the possible return on other investments. The borrower will need to compete with other investments for this funding.

Investment Risk. Borrowers are at risk of going bankrupt, absconding or defaulting on their debts at any time, and lenders are required to collect additional money to ensure that they can still be compensated in these situations.

Liquidity preference.

People will prefer that their funds or resources are readily available for immediate trading, rather than that it takes time or money to get them back. Interest rates are also a form of compensation for this.

100,000 yuan is not too much, less is not too much, and the specific savings for one year can get less interest depends on the term of your deposit and what bank exists.

First of all, you can exclude the deposit methods of demand, 3 months, 6 months, call deposit, and fixed life, the reason is very simple, low interest. For example, the following is a table of deposit interest rates for a bank:

As can be seen from this interest rate table, the bank's current deposit interest rate is, 3 months, 6 months, the call deposit interest rate is currently 1 day, 7 days, and the current CPI annual increase is about 2%, which means that you are losing money according to these terms, and you are not losing money from the book, but you are actually losing. For example, if you deposit for 6 months, the interest rate you get, on the surface, you get 1,690 yuan of interest, but after deducting 2% inflation, you actually get 310 yuan of interest.

Then you can exclude large-amount certificates of deposit, although the interest rate of large-amount certificates of deposit is high, but the threshold is high, at least 200,000 deposits, so 100,000 cannot hit the threshold.

For the rest, you can choose one-year, two-year, three-year and bank wealth management products. Let's take a look at how much interest you can get by depositing 100,000 yuan according to these deposit methods.

1. One-year term.

At present, the one-year interest rate is about 1,950 yuan for large banks and 2,500 yuan to 3,000 yuan for small banks.

2. Two-year term.

At present, the two-year interest rate is about 4% for large banks and about 4% for small banks, so the interest on your deposit of 100,000 yuan is about 2,700 yuan for large banks and about 4,000 yuan for small banks.

3. Three-year term.

At present, the two-year interest rate is about 3,600 yuan for large banks and 4,500-5,000 yuan for small banks.

Period. At present, most banks have a 5-year term and a 3-year term, but the time is too long, and it is not recommended that you save for 5 years.

5. Bank wealth management products.

The annualized return of bank wealth management products is between 4% and 10%, depending on the level of risk, but I suggest that you choose medium and low risk, the current annualized return of low and medium risk bank wealth management products is about 5%-6%, and the interest that can be obtained by saving 100,000 yuan a year is between 5,000 yuan and 6,000 yuan.

However, it needs to be reminded here that at present, only bank deposits are principal and interest guaranteed, and bank wealth management products do not guarantee principal and interest, and the risk is borne by yourself.

If 100,000 yuan is deposited in the bank, the annual interest is about 300 yuan. If 100,000 yuan is deposited in the bank for a fixed period of one year, the interest is about 1,700 yuan.

At present, the interest rate of the bank's fixed deposit is much less, so it is recommended that you try to save the fixed term, but the fixed term can only be used after the maturity of the principal, so it is only suitable for spare money to save the fixed term.

According to the update of China Construction Bank on October 24, 2015, the one-year deposit interest rate is, soA deposit of 100,000 yuan can get 1,750 yuan of interest a year, the total principal and interest is 101,750 yuan.

Whole deposit and whole withdrawal. The annual interest rate for half a year is 1 55, and the interest can be 775 yuan.

1 year per annum 1 75 , interest 1750 is available

2 25 p.a. interest rate of 4,500 per annum

The interest rate for 3 years is 2 75 yuan, and the interest is 8,250 yuan.

The five-year interest rate is 2 75 per annum, and the interest is $13,750.

The interest rate deposited in the Postal Savings Bank, Rural Commercial Bank, Village and Township Bank, and City Commercial Bank will be a little higher.

There are 100,000 yuan in hand that will be deposited in the bank, and the first choice is the five major state-owned banks, because of their safety, including the Industrial and Commercial Bank of China and the Agricultural Bank of China, as well as the Construction Bank and the Bank of Communications, but these banks do not lack deposits and do not have too high expectations for depositors, so the interest rates they give are relatively low. The interest rate of depositing the 100,000 yuan in the Postal Savings Bank, the Rural Commercial Bank, and the village and township banks will be higher, and the interest rate of the urban commercial banks will also be higher.

The Postal Savings Bank is one of the state-owned commercial banks, and it is also a bank with a particularly large number of outlets, and its interest rate is slightly higher than that of the other five major state-owned banks, and if you have 100,000 yuan deposited in this bank, you will get more interest. The outlets of the Postal Savings Bank are distributed in some relatively small places, and it is more difficult to absorb deposits, so their interest rates are higher than those of the other five banks, and they want to absorb more deposits through this method, and sometimes the deposit interest rates given by the Postal Savings Bank are higher than those of the city commercial banks. In the case of a three-year fixed deposit, for example, he gives a higher interest rate than an ordinary bank.

If you deposit your money in a rural commercial bank, you can also get more interest. Rural commercial banks, also known as rural credit cooperatives, are found in many parts of the country, and the number of outlets is relatively large, and this bank is self-financing, so they are more flexible in the process of operation, and the interest rate given is much higher than that of other state-owned banks. In some places where it is more difficult to absorb the money from the deposit, the three-year fixed interest rate given by the rural commercial bank can be as high, and people can get 4,500 yuan of interest every year if they deposit 100,000 yuan in the bank.

You can also get more interest by depositing money in village or township banks. However, this kind of bank has few outlets, and the scale is relatively small, although its interest rate is relatively high, there is a certain risk, especially after the village and township banks reported some time ago, many people no longer believe in the village and township banks, and even if they give high interest rates, they are not willing to deposit money in the village or township banks. In addition to these banks, the interest rate given by city commercial banks is also relatively high.

Most of the customers faced by these urban commercial banks are mainly in their own regions, so their customer base is relatively small, it is more difficult to absorb deposits, and the interest rate they give to customers is slightly higher than that of other banks.

100,000 yuan is saved for one year, and the interest is yuan (including compound interest, the same yuan and 1,750 yuan below.) The interest rate of a one-year deposit is, so a deposit of 100,000 yuan can get 1,750 yuan of interest a year, and the total principal and interest are 101,750 yuan.

Lump sum deposit: half-year annual interest rate, interest of 775 yuan.

One year per annum, interest of $1,750 is available.

The annual interest rate for two years can be 4,500 yuan.

Three-year annual interest rate, 8250 yuan of interest.

Five-year annual interest rate, interest of 13,750 yuan.

The type of bank deposit.

There are also many types of bank deposits, and the interest rates of different types of deposits can vary greatly. Let's take a look at these types of deposits separately, and how much interest can be earned every year by depositing 100,000 yuan. Fingerprints.

1. Demand deposit.

At present, the benchmark interest rate for demand deposits is only, and even when the current bank deposit interest rate has been generally raised, the demand deposit interest rate has not changed at all, and some banks have even lowered the demand deposit interest rate to it. At this interest rate, if you save 100,000 yuan for a year, the interest income is only 300-350 yuan.

2. Fixed deposits.

If the deposit period is 1 year, there are three types of fixed deposits with a deferred maturity of 3 months, 6 months and 1 years, and the benchmark interest rate is35% and.

However, at present, basically no bank will implement the benchmark interest rate, and all have raised the interest rate. For example, at present, the deposit interest rates of the four major banks and the three maturities are respectively55% and, based on this calculation, 100,000 yuan saved for a year, the interest is yuan (including compound interest, the same yuan and 1,750 yuan.

3. Certificates of deposit in large amounts.

With a one-year time limit, the term of large-denomination certificates of deposit can be selected as one month, three months, six months and one year. Taking a state-owned bank as an example, the latest interest rates on these maturities of large certificates of deposit are respectively25%, calculated at this interest rate, the interest of 100,000 yuan for one year is yuan, yuan, yuan and 2,250 yuan respectively.

However, a minimum deposit of 200,000 yuan is generally required for large-amount certificates of deposit, and some banks require a minimum deposit of 300,000 yuan, and if there is only 100,000 yuan, large-amount certificates of deposit cannot be deposited.

4. Structured deposits.

The interest rate of structured deposits is not fixed, generally structured deposits will publish a maximum and minimum rate of return, if the term is one year, structured deposits generally have a choice of six months and one year.

Taking the structured deposits currently issued by a state-owned bank as an example, the maximum interest rate for a half-year term can be reached, and the maximum interest rate for a one-year term can be reached, so that the interest income of a one-year deposit of 100,000 yuan is RMB and 3,950 yuan respectively.

5. Smart deposit.

Smart deposit is a new type of deposit launched by many private banks, and its main feature is that although it has a fixed term, it can be withdrawn at any time, and it can also enjoy a certain fixed term deposit interest rate when it is withdrawn at any time.

Taking the smart deposit of a private bank as an example, if the term is less than 1 year, there are several options for less than 1 month, 1-3 months, 3-6 months, 6 months-1 year and 1 year, and the interest rates are respectively5%。Based on this calculation, the early interest of 100,000 yuan for one year is yuan, yuan, yuan, yuan and 4,500 yuan respectively.